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FrozenVent
May 1, 2009

The Boeing 737-200QC is the undisputed workhorse of the skies.
Goddamn booze is cheap in the states.

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Nail Rat
Dec 29, 2000

You maniacs! You blew it up! God damn you! God damn you all to hell!!

FrozenVent posted:

Goddamn booze is cheap in the states.

It was with good beer, wine, and liquor too, all poo poo we had hand-picked! If a place or caterer won't let you bring your own liquor, it's because they're marking it up like a restaurant would.

canyoneer
Sep 13, 2005


I only have canyoneyes for you

Nail Rat posted:

Flowers. Shittons and shittons of flowers and crazy centerpieces that can be brought home. That's my guess.

10k isn't too out of line for a decent venue in an expensive city(maybe 2-3k high), but yeah, you should fit a great meal and a nice open bar into 20k.

Oh yeah, that's one detail I know. She had to have orange flowers, but some special flower in orange that is out of season and had to be flown in from Asia or something. The bouquet had to have the stems spend a few minutes in water at least every 15 minutes, or else it would die. I imagine she had a rotating cast of bouquet babysitters who kept running it back and forth from her hands into a tiny vase.
They spent almost $6k on a photographer for a single day of shooting and a brief edited video.
One of them worked for years in film production, and probably knows dozens of competent pros who would have done it for a "friend discount" at much less than $6k.

Strong Sauce posted:

I sympathize with your wife's father. But how did he not see that coming?

So, like, is he mad? At the very least you hope he figures it out by now and just severs.

Heartbroken, really. She's never wanted to be close to him. Some years the only time he ever hears from her is a brief phone call on his birthday or father's day. Some years she doesn't call at all.
Her mother lives in the same city as he does, and she visits her mom a couple times a year, but even though she's literally 3 miles away, she won't make arrangements to visit or meet for lunch or anything.

I should note that dad isn't moneybags. He's an engineer that makes a decent living, probably in the low 6 figures, but they don't have a lot of money left after paying for all the mooches in their life (see my post history in this thread for more examples of what they have to deal with)

SlapActionJackson
Jul 27, 2006

It may seem like clips from a comedy show, but they're actually from a wedding documentary

Wedding flowers: https://www.youtube.com/watch?v=6ff13zZ0h0k
Wedding cake: https://www.youtube.com/watch?v=gimiDBAK2wA

tuyop
Sep 15, 2006

Every second that we're not growing BASIL is a second wasted

Fun Shoe
Our wedding was 6k including 1500 air fare. People said it was the wedding of their dreams. We had a zip line and pig roast by a lake.

Just have a house party with a wedding in the middle. People will be most pleased.

:smug:

Barry
Aug 1, 2003

Hardened Criminal
Cool, more wedding talk

Nail Rat
Dec 29, 2000

You maniacs! You blew it up! God damn you! God damn you all to hell!!

reddit posted:

Wife of 10 is finally seeking help; She is a compulsive spender. We make over $100,000/yr but live paycheck-to-paycheck, drive Kias and live in a trailor. Our lives could be so much more ◔̯︵◔

*Wife of 10 yrs

My wife makes ±$62,000./yr

I make ±$55,000/yr

My wife is aware of her compulsion and we/she has decided to seek help. We figure that we can fix this issue at home without too much craziness. For example, she has suggested having an allowance that she gets to spend each week. Sounds promising. We also considered the envelope method using envelopes of cash for certain kinds or types of activities but once the envelope is empty, no more spending in that area. I keep coming back to allowance because I don't have difficulty proportioning my funds but... no matter how many times we discuss that she has to pay power and rent with her next check, it doesn't matter. She will either pay 1 and let the other bill be late and I'll have to pay it, or she'll pay one online and then go withdrawal all the cash out so the payment cant actually go through. Her accounts are negative every week before she gets paid (throwing away $100s per month in fees).


:stonk: Redit personalfinance really is a goldmine.

OneWhoKnows
Dec 6, 2006
I choo choo choooose you!

canyoneer posted:

Two stories.

Just heard about an acquaintance's career/home buying plans through a mutual friend.

She just got married. They are relocating from Los Angeles (living with roommates) and want to buy a house in a decently sized city in another western state. He has been unemployed for over a year. She has been working multiple jobs at restaurants, hotels, reception work, but all of them part time.

They just spent something over $30k on their wedding. A third of that was the venue rental only. They didn't have a meal served or open bar (snack foods and a cash bar). I know it's a BFC tradition to argue about the reasonableness of wedding costs, but really, how did they manage to spend $30k without food or drink?

Now they want to move to a new city and buy a house there, and were asking about how to qualify for a mortgage.
They have highly transient jobs, long periods of unemployment, and low income reliability.
Also, she wants to get her old job back here, working as a dealer in a casino. She makes a good income there, but I really doubt she's was claiming all of her tips for tax purposes, which she'll have to do if she wants to use that income to qualify for a mortgage.

Second story:

My wife's stepsister is a horrible person and a mooch. Short background on the family dynamics:
Her father (wife's stepfather) is so rad, and a great dad and awesome guy. But she hates him, because she blames him for her mother's depression and their divorce. The real story is that her mom spiraled into a long depressive period after the skydiving instructor she was banging (they were both married) died in a skydiving accident, which eventually led to discovering the infidelity and marital problems ending in divorce. The daughter still doesn't know this happened, because her mother has been telling her all along it was because her dad was a jerk. Whatever.

She's very manipulative, and convinced her father and stepmother to cosign for her student loans to go to culinary school in New York City @ $15k/semester plus living expenses.
She has graduated, and of course, she's dead broke and making zero payments on the student loans. She just married her culinary school boyfriend, and her father made her an offer. He would either help pay for their wedding, or keep paying on her student loans after she got married. She chose "pay for the wedding." :ssh: PS it's going to be in NYC at a mega expensive venue

I should note also that at the wedding, she didn't invite her father sit at the "family" table (where her mom and mom's boyfriend were sitting). She also barely took any photos with him, he was just another guest. She had her brother escort her down the aisle, and did the "daddy dance" with her mom's boyfriend (who she has been dating for less than a year and lives in a different city).

So now she's married, and dad no longer has to pay for her student loans, according to their agreement. Within a week, she calls and informs him "Well, I can't pay for these loans. And you're cosigned on them, so you're on the hook for them no matter what. So unless you keep paying them, nobody pays them".

He's paying for the loans again.

First story, most likely some mortgage broker will find a way to get them a loan and you'll have a new story to tell!

Second story, somebody needs to tell that girl the truth even if it doesn't change anything because that's hosed up.

Cicero
Dec 17, 2003

Jumpjet, melta, jumpjet. Repeat for ten minutes or until victory is assured.

Nail Rat posted:

:stonk: Redit personalfinance really is a goldmine.
Yeah it is:

quote:

About a day and two weeks before my first paycheck, I had taken out a small loan from a Cash Store to pay for my expenses and my boyfriend's birthday. I don't know if you have heard of these, but apparently they have horrible reputations. I had to give them my vehicle's title to get the $250 loan, so they can take my vehicle at any time and claim it as theirs if I do not pay this loan. I am only 18 years old and I was desperate. My parents cannot help me with my situation.

Barry
Aug 1, 2003

Hardened Criminal

Nail Rat posted:

:stonk: Redit personalfinance really is a goldmine.

When questioned about physically fitting all the crap she buys in their trailer, he responded

quote:

This is quite accurate actually. I recently bagged up 1 garbage bag full of clothes and 1 garbage bag full of shoes and donated them. It didn't seem to put a dent in the amount.

That must be a fun place to live.

Anne Whateley
Feb 11, 2007
:unsmith: i like nice words

Nail Rat posted:

Total: 24.7k, doesn't include the rehearsal dinner, which my parents are going to cover, or the honeymoon which I will.

Really it's food that's the big one...so if you're not offering food and drink I can't see how you get to 30k without a complete bridezilla running the show.
You didn't include any clothes (especially the dress), any accessories, or hair/makeup for the bridal party. So that's it right there.

Folly
May 26, 2010
Wedding chat makes me feel old. I had to include inflation calculation to compare my price to these.

I got married 14 years ago. That's 37.2% cumulative inflation. :negative:

Nail Rat
Dec 29, 2000

You maniacs! You blew it up! God damn you! God damn you all to hell!!

Anne Whateley posted:

You didn't include any clothes (especially the dress), any accessories, or hair/makeup for the bridal party. So that's it right there.

I won't derail too much, just going to leave it at that we've priced that stuff out too but are taking it out of our ordinary fun money for the year instead of having her dad pay for it, but all I'm saying is that poo poo plus decorations, programs, etc. should not be 20k. With 30k and a 10k venue, not providing food and drink is a pretty bad fail.

mastershakeman
Oct 28, 2008

by vyelkin

Nail Rat posted:

I won't derail too much, just going to leave it at that we've priced that stuff out too but are taking it out of our ordinary fun money for the year instead of having her dad pay for it, but all I'm saying is that poo poo plus decorations, programs, etc. should not be 20k. With 30k and a 10k venue, not providing food and drink is a pretty bad fail.

What's the venue you're looking at? I'm starting to look at places in Chicagoland as well and am going to shoot myself, especially since my girlfriend wants to do the wedding at her church in Kenilworth and the reception nearby.

canyoneer
Sep 13, 2005


I only have canyoneyes for you

Folly posted:

Wedding chat makes me feel old. I had to include inflation calculation to compare my price to these.

I got married 14 years ago. That's 37.2% cumulative inflation. :negative:

Now I just felt old, because I went on the CPI website to check your calculation.
Start year, well, 14 years ago, thats got to be 1990...
No.
It's 2000 :stare:

Here's one. Not "bad with money", but "silly ideas about money"

Someone in the family had a mysterious infection for a while, which we all suspect was syphilis (due to her swinger lifestyle:barf:)
She complained that she didn't have the money to go see the doctor. She was uninsured.
Her sister, who has spent her entire adult life under military health insurance, said "That's stupid, who doesn't have enough money to see a doctor? It's only like, $25."

She's not stupid or anything, just the realities of life without health insurance were not familiar to her.

Authentic You
Mar 4, 2007

Listen now this is your
captain calling:
Your captain is dead.

Nail Rat posted:

It was with good beer, wine, and liquor too, all poo poo we had hand-picked! If a place or caterer won't let you bring your own liquor, it's because they're marking it up like a restaurant would.

If a potential caterer for my future wedding told me I couldn't supply my own liquor, I'd tell them to get hosed. A couple summers ago at a family friend's wedding, my dad was the bar master and filled our long bed truck up to the cargo rack with pallets of booze, wine, and other party supplies from Costco. He also supplied the actual bar (giant slab of gorgeous wood and supports), so the caterer's only real contribution to the bar was the bartenders during the reception. Also what was nice was that the bar was highly portable, so it just followed the party around throughout the day and was awesome.

All this stuff about caterers charging out the rear end for an hour of open bar service and stuff is bullshit. How do you just have the bar open for an hour?

As for flowers, these folks told the florist that the flowers were for a reunion or something (to avoid wedding price gouging) and didn't pay for arrangement/assembly, just took delivery of buckets of cut flowers and got relatives to assemble the bouquets the day before.

Now the brother is engaged, and his fiancee is a princess and sucks at logistics (and by extension, money). She wants to do all these things that are obscenely expensive and make no sense, and since it's at the same family house/property as the aforementioned wedding, she wants to do do things differently (and worse) just for the sake of being different, like wanting a fancy clear tent (which is twice as expensive as a standard white tent), fancy health food, and other poo poo like that. Originally, she wanted to have some crazy destination wedding, but our friend told her that was a no-go because he knew a lot of his friends wouldn't be able to afford the time off work/airfare/hotel stay for some exotic place just to have some drinks after watching them exchange vows when they could just as easily do it within driving distance of where most guests already live.

Elephanthead
Sep 11, 2008


Toilet Rascal
30K weddings are not very BFC. Get a JOP to marry you on the courthouse lawn for $75 and put the rest in your stock gambling account.

Zhentar
Sep 28, 2003

Brilliant Master Genius
Check out venues that do their own catering. I had my wedding at a nice local hotel, and renting out a ballroom was drat near free if you used their catering (which I think ended up around $35/head and was pretty good quality). Added bonus was at the end, when we were thoroughly drunk and exhausted, we only had to stumble our way down the hall to our hotel room.

Cake prices people mention truly amaze me, though. I spent less than $1/person on what was indisputably the best cake I have ever tasted in my life.

Dragyn
Jan 23, 2007

Please Sam, don't use the word 'acumen' again.

Zhentar posted:

Check out venues that do their own catering. I had my wedding at a nice local hotel, and renting out a ballroom was drat near free if you used their catering (which I think ended up around $35/head and was pretty good quality). Added bonus was at the end, when we were thoroughly drunk and exhausted, we only had to stumble our way down the hall to our hotel room.

Cake prices people mention truly amaze me, though. I spent less than $1/person on what was indisputably the best cake I have ever tasted in my life.

All of the venues we saw that did their own catering added a 20-25% "Administrative Fee" on top of the whole package, and were still about the same prices.

This $17k catering quote included 150x cupcakes... at $4.75 a piece. I could actually get them from Georgetown Cupcake in Boston for significantly less.

Rudager
Apr 29, 2008

Nail Rat posted:

:stonk: Redit personalfinance really is a goldmine.

I love the "±$55,000/yr" because you know there's no way it's going to be over $55,000, but it's definitely under it.

Folly
May 26, 2010

Dragyn posted:

All of the venues we saw that did their own catering added a 20-25% "Administrative Fee" on top of the whole package, and were still about the same prices.

This $17k catering quote included 150x cupcakes... at $4.75 a piece. I could actually get them from Georgetown Cupcake in Boston for significantly less.

Haggle. Everything in the hospitality industry is negotiable. The trick is that you have to be willing to walk away. Most bride's won't, hence the markup.

Dragyn
Jan 23, 2007

Please Sam, don't use the word 'acumen' again.

Folly posted:

Haggle. Everything in the hospitality industry is negotiable. The trick is that you have to be willing to walk away. Most bride's won't, hence the markup.

Actually, we did. I told them that way out of budget and told them we could only do between 6 and 8 grand. They said they can't go lower than 15 and offer to give us some referrals. They apparently do not care.

FrozenVent
May 1, 2009

The Boeing 737-200QC is the undisputed workhorse of the skies.
Yeah I have to arrange meeting venues and catering at work once in a while and it's amazing how easy it is to haggle.

My favorite method is to call a bunch of hotels, ask for a quote, go "yeah, ok, thanks", then sit for two days. They usually call me back with a 30% discount as the date get closer.

Obviously you're not gonna organize a wedding two weeks out and it's not the same market, but there you have it.

Strong Sauce
Jul 2, 2003

You know I am not really your father.





ffs. Less wedding, "look how much I did with X money" posts please. The point about that wedding is that it is absurd money to be spending. You don't need to post how sensible you are with your own wedding planning.

Volmarias
Dec 31, 2002

EMAIL... THE INTERNET... SEARCH ENGINES...

Barry posted:

When questioned about physically fitting all the crap she buys in their trailer, he responded


That must be a fun place to live.

That sounds less like "bad with money" and more like "mentally ill".

necrobobsledder
Mar 21, 2005
Lay down your soul to the gods rock 'n roll
Nap Ghost
Total cost for my wedding for a party of 50 was about $12k. We got married at Union Station in Nashville and the venue costs was like $3000. We count the wardrobe and had no bridesmaids or groomsmen because we just wanted good food and drinks. That was with an open bar included too. I think we paid more than half of the costs and her dad literally only paid for the bar tab. I hear about million dollar weddings and wonder if I could be invited or get in on some of that extortion somehow.

lizardman
Jun 30, 2007

by R. Guyovich

canyoneer posted:

But she hates him, because she blames him for her mother's depression and their divorce. The real story is that her mom spiraled into a long depressive period after the skydiving instructor she was banging (they were both married) died in a skydiving accident, which eventually led to discovering the infidelity and marital problems ending in divorce. The daughter still doesn't know this happened, because her mother has been telling her all along it was because her dad was a jerk. Whatever.

Why in the gently caress hasn't anybody told her? Of course I understand at first no one wants to break it to her "your Mom's a lying adulteress" but if it's causing such a needless rift between father and daughter, you'd think somebody would have stepped forward.

FrozenVent
May 1, 2009

The Boeing 737-200QC is the undisputed workhorse of the skies.
You're getting one side of a juicy piece of family drama. Don't over think it; you probably don't have a remotely complete picture of the situation.

EugeneJ
Feb 5, 2012

by FactsAreUseless
I'd send an anonymous email/letter to the girl and tell her the truth.

Folly
May 26, 2010

FrozenVent posted:

You're getting one side of a juicy piece of family drama. Don't over think it; you probably don't have a remotely complete picture of the situation.

Listen to this malfunctioning HVAC conduit!

Also, feel free to tell us more about it. I'll suspend my disbelief for a good rage inducer like this.

Rudager
Apr 29, 2008

EugeneJ posted:

I'd send an anonymous email/letter to the girl and tell her the truth.

Come on now, this isn't a movie, why is she going to trust an anonymous letter over her mother?

It sounds like it's well ingrained into her now and even if she did learn the truth, it wouldn't change much. And you still have to be a special level of arsehole to act like that, even towards someone you don't like.

FourLeaf
Dec 2, 2011

EugeneJ posted:

I'd send an anonymous email/letter to the girl and tell her the truth.

Thus ensuring she wouldn't believe it. If she's gonna find out, it has to be straight from someone she trusts.

canyoneer
Sep 13, 2005


I only have canyoneyes for you

Rudager posted:

Come on now, this isn't a movie, why is she going to trust an anonymous letter over her mother?

It sounds like it's well ingrained into her now and even if she did learn the truth, it wouldn't change much. And you still have to be a special level of arsehole to act like that, even towards someone you don't like.

I don't even know her. Never met her.
There is probably nobody she would trust who both knows the truth and would tell her. She may actually know already, who knows? Like I said, I've never met her. My wife hasn't seen her for years.
Regardless, I'm pretty sure she has just made a decision to hate her father and everyone else associated with him. Perhaps someday in life she'll regret that choice, but I wouldn't count on it anytime soon.

LogisticEarth
Mar 28, 2004

Someone once told me, "Time is a flat circle".

Nail Rat posted:

I've actually found the open bar isn't as expensive as you might think, and food costs and venue costs are more than you might...

...includes a nice open bar - the bar package is 11 a head for us but would be 15 a head for others because my fiancee is the sister in law of the company owner.

$15/head is pretty cheap for open bar, plus you need to factor in how long the bar will be open. If you can find a place that does it per drink like a normal bar you can make out fairly well. We got like 7-8 hours of open bar, with a professional bartender, (ie. not someone with a Mr. Boston's book that looks at you funny if you order a Manhattan), high end spirits, draft local craft beer, and wine service, for what amounted to $18/head, including gratuity.

The best part is that you get the bill at the end of the night and you can see what everyone drank. Kids consumed 20 Shirley Temples, and that round of Patron shots my college friend ordered up for the old college gang at the end of the night? Yeah, $150. Thanks buddy. :suicide: Really though at the end I realized not to think about that because we still made out like bandits on the whole affair, value wise.

RC and Moon Pie
May 5, 2011

A relative gave Fanbox her debit card number.

I had never heard of Fanbox before. I Googled it and didn't even have to click to link to see it was scam.

Rockzilla
Feb 19, 2007

Squish!

canyoneer posted:


Culinary school in New York City @ $15k/semester plus living expenses.


Culinary school is the biggest loving ripoff. Cooking is the kind of skill that you learn on the job and a diploma from a for-profit culinary school is going to qualify you for the exact same minimum wage position as someone with literally zero experience.
It may even be worse than nothing because the chef is going to have to un-train all of the outdated, useless skills and techniques those places teach in order for you to do things the way that he or she wants when someone who has no kitchen experience but has half a brain and a good work ethic is essentially a blank slate who can be taught much more easily.

Rockzilla fucked around with this message at 05:29 on May 7, 2014

SiGmA_X
May 3, 2004
SiGmA_X

RC and Moon Pie posted:

A relative gave Fanbox her debit card number.

I had never heard of Fanbox before. I Googled it and didn't even have to click to link to see it was scam.
The name sounds like a scam... Ah humans!

Let's keep the wedding chat to the wedding thread. Kthx.

Nirvikalpa
Aug 20, 2012

by Fluffdaddy
Someone I know doesn't work, yet has a poo poo ton of money to spend on Disney merchandise, sex toys, and eating out. Yet his family had to take out a loan to be able to afford a semester of community college tuition. I think it's kind of worrying that his family doesn't have $3000 saved up. And the kicker is, I'm sure if he hadn't bought the junk that he did, he could've covered this semester's tuition without any worry, bad financial aid or no.

But really, aren't most people bad with money? Doesn't the average American have almost no savings for emergencies?

EDIT: Did I mention that he is a furry and a fursuiter? Those things don't come cheap either.

Nirvikalpa fucked around with this message at 14:26 on May 7, 2014

Grumpwagon
May 6, 2007
I am a giant assfuck who needs to harden the fuck up.

Rockzilla posted:

Culinary school is the biggest loving ripoff. Cooking is the kind of skill that you learn on the job and a diploma from a for-profit culinary school is going to qualify you for the exact same minimum wage position as someone with literally zero experience.
It may even be worse than nothing because the chef is going to have to un-train all of the outdated, useless skills and techniques those places teach in order for you to do things the way that he or she wants when someone who has no kitchen experience but has half a brain and a good work ethic is essentially a blank slate who can be taught much more easily.

This, and there are a number of really great technical college culinary programs that are ~2k a year instead of 15k.

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Grumpwagon
May 6, 2007
I am a giant assfuck who needs to harden the fuck up.

Nirvikalpa posted:

EDIT: Did I mention that he is a furry and a fursuiter? Those things don't come cheap either.

No, but you didn't have to.

Nirvikalpa posted:

Someone I know doesn't work, yet has a poo poo ton of money to spend on Disney merchandise, sex toys, and eating out. Yet his family had to take out a loan to be able to afford a semester of community college tuition. I think it's kind of worrying that his family doesn't have $3000 saved up. And the kicker is, I'm sure if he hadn't bought the junk that he did, he could've covered this semester's tuition without any worry, bad financial aid or no.

EDIT: drat it, meant to edit my last post.

EDIT 2: I'll add a story so these 2 posts aren't totally useless.

My friend works at a local software development company who is known for paying well, in exchange for long hours. We live in a midwestern city with a reasonably low cost of living, so wages aren't bay area levels, but money goes a long way. This friend went out to lunch with a couple who both work at this company, so combined income of well over 200k. He noticed they tipped under 10% (not for bad service reasons either). Anyone making $200k who won't tip more than that to someone making ~10 times less than them counts as bad with money/life in my book.

(lets not start the tipping debate, I'd love for service workers to make a living wage, but it's the system we have, so tip)

Grumpwagon fucked around with this message at 14:45 on May 7, 2014

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